BlastPoint's Credit Union Scorecard
UNITED NORTHWEST
Charter #6214 · KS
UNITED NORTHWEST has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,411
-2.4% YoY0% QoQ
|
-204 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$55.4M
+2.6% YoY-0.9% QoQ
|
+$25.3M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$21.1M
+1.0% YoY-1.8% QoQ
|
+$5.4M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$46.7M
+2.4% YoY-1.0% QoQ
|
+$21.0M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.6%
+35.4% YoY-2.8% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.7%
+8.2% YoY+0.9% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio |
80.8%
-3.5% YoY+1.1% QoQ
|
-1.7% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.1%
-62.5% YoY-1.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
45.2%
-1.4% YoY-0.8% QoQ
|
-15.4% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$28,136
+4.5% YoY-1.3% QoQ
|
+$13K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Top 5.6% in tier |
| CD Concentration |
27.8%
+7.9% YoY+0.4% QoQ
|
+3.4% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)